Compare 2017 Chevrolet Express Cargo Insurance Cost in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Apr 30, 2024

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When searching for cheaper insurance, are you confused by the crazy number of insurance coverage sources in your area? There are such a vast assortment of sources available that it can be a burden to find the best premium rates.

It’s smart to compare prices every six months because prices fluctuate regularly. Even if you think you had the lowest price for Express Cargo coverage a year ago other companies may now be cheaper. There is lot of inaccurate information about insurance coverage out there, but by reading this article, you’re going to learn some great ways to slash your insurance coverage rates.

The purpose of this post is to instruct you on how to get online quotes and some tricks to saving. If you currently have car insurance, you should be able to save some money using this strategy. Nevertheless, consumers need to have an understanding of the methods companies use to sell insurance online and use this information to your advantage.

Smart consumers can cut their insurance costs

The best way to find cheaper insurance is to take a look at the different types of things that aid in calculating the price you pay for insurance. When you know what positively or negatively determines premiums, this empowers consumers to make smart changes that could help you find better insurance rates. Many different elements are used when you get your auto insurance bill. Most are fairly basic such as your driving record, but others are more transparent like your continuous coverage or your vehicle rating.

The following are some of the items utilized by car insurance companies to help set your prices.

  • Costs increase with policy add-ons – Insurance companies have many additional coverages that may not really be needed if you don’t pay attention. Coverage for things like replacement cost coverage, towing, and additional equipment coverage are probably not needed. They may seem good when deciding what coverages you need, but if you’ve never needed them in the past eliminate them to save money.
  • Insurance companies don’t like frequent insurance claims – If you frequently file small claims, you can look forward to either a policy non-renewal or much higher rates. Auto insurance companies generally give the lowest premiums to insureds who only file infrequent claims. Your insurance policy is designed for claims that you cannot pay yourself.
  • How much liability – The liability section of your policy is the protection if a jury decides you are liable for causing damage or personal injury in an accident. Your liability coverage provides legal defense coverage to defend your case. This coverage is very inexpensive compared to comp and collision, so drivers should carry high limits.
  • Alarm systems save money – Purchasing a vehicle with a theft deterrent system can save you a little every year. Theft prevention devices such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all hinder vehicle theft.
  • Higher deductibles reduce prices – Deductibles for physical damage represent how much money you are willing to pay if you file a covered claim. Physical damage insurance, also known as collision and other-than-collision, protects your car from damage. Some instances where coverage would apply could be rear-ending another vehicle, fire damage, and damage from wind. The higher the amount you are required to pay out-of-pocket, the less your company will charge you for insurance for Express Cargo coverage.
  • Maintain insurance coverage – Letting your insurance expire is a guaranteed way to increase your insurance rates. And not only will insurance be more expensive, being ticketed for driving with no insurance may result in fines or a revoked license. You may have to provide proof of insurance in the form of an SR-22 filing with your state DMV.
  • Cheaper rates after marriage – Getting married actually saves money when shopping for insurance. Marriage usually means you are more financially stable and it’s statistically proven that married drivers get in fewer accidents.
  • Poor credit decisions can cost you – A driver’s credit history will be a significant factor in determining what you pay for insurance. So if your credit history can be improved, you could potentially save money when insuring your 2017 Chevrolet Express Cargo by improving your credit score. Consumers who have high credit scores tend to be more responsible and file fewer claims than drivers who have poor credit.

The method we recommend to get rate comparisons is to understand most insurance companies provide online access to compare rate quotes. All you need to do is give the companies some data such as if the vehicle is leased, what you do for a living, marital status, and any included safety features. Your information is automatically sent to multiple companies and you get price estimates instantly.

Get lower rates with these car insurance discounts

Car insurance companies do not advertise all available discounts very well, so the next list breaks down some of the more common and also the more inconspicuous credits available to you. If you do not check that you are getting every discount you qualify for, it’s possible you qualify for a lower rate.

  • Anti-theft Discount – Cars and trucks with anti-theft systems prevent vehicle theft and earn discounts up to 10% off your auto insurance quote.
  • Defensive Driver Discounts – Taking part in a course that instructs on driving safety can save you 5% or more and make you a better driver.
  • Policy Bundle Discount – When you combine your home and auto insurance and insure them both with the same insurance company you could get a discount of up to 20% and get you low cost auto insurance.
  • College Student Discount – Children who live away from home to go to college and do not have access to a covered vehicle may be insured at a cheaper rate.
  • Multi-line Discount – Not all car insurance companies offer life insurance, but some may give you a break if you buy a life insurance policy as well.
  • Savings for New Vehicles – Buying insurance coverage on a new vehicle can save you some money due to better safety requirements for new model year vehicles.
  • Senior Discount – Mature drivers may receive lower premium rates for Express Cargo coverage.

Remember that some of the credits will not apply to the entire policy premium. A few only apply to the price of certain insurance coverages like comprehensive or collision. Despite the appearance that you could get a free car insurance policy, companies wouldn’t make money that way.

A few companies that have most of these discounts include:

  • Progressive
  • Farmers Insurance
  • Farm Bureau
  • State Farm
  • GEICO
  • SAFECO
  • Liberty Mutual

Double check with every insurance company which discounts you may be entitled to. Depending on the company, some discounts may not apply to policies everywhere. If you would like to choose from a list of insurance companies that offer discounts, enter your zip code here.

Auto insurance can get complicated

When it comes to choosing the best auto insurance coverage, there is no “best” method to buy coverage. Every situation is different.

For instance, these questions may help you determine whether you could use an agent’s help.

  • If my 2017 Chevy Express Cargo is totaled, can I afford another vehicle?
  • What is the minimum liability in my state?
  • Does car insurance cover theft of personal property?
  • Should I get collision insurance on every vehicle?
  • When does my teenage driver need to be added to my policy?
  • Does my 2017 Chevy Express Cargo need full coverage?
  • Is business property covered if stolen from my car?
  • Do I need more liability coverage?

If you’re not sure about those questions but you know they apply to you, you may need to chat with a licensed agent. If you want to speak to an agent in your area, complete your zip code.

Auto insurance coverage information

Having a good grasp of your policy can be of help when determining appropriate coverage and the correct deductibles and limits. Auto insurance terms can be impossible to understand and nobody wants to actually read their policy.

Comprehensive insurance

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as damage from flooding, vandalism and falling objects. The maximum amount a auto insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage provides protection when other motorists are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries as well as damage to your 2017 Chevy Express Cargo.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP pay for short-term medical expenses for things like chiropractic care, dental work, nursing services, surgery and rehabilitation expenses. They are used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. They cover you and your occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Auto liability

Liability coverage will cover damage or injury you incur to people or other property. It protects you against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 50/100/50 which stand for $50,000 bodily injury coverage, $100,000 for the entire accident, and $50,000 of coverage for damaged property. Some companies may use one number which is a combined single limit which limits claims to one amount with no separate limits for injury or property damage.

Liability can pay for things such as attorney fees, emergency aid and legal defense fees. How much liability coverage do you need? That is up to you, but buy higher limits if possible.

Collision insurance

This pays for damage to your Express Cargo from colliding with an object or car. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against claims such as crashing into a building, colliding with a tree, sustaining damage from a pot hole and backing into a parked car. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. You can also increase the deductible in order to get cheaper collision rates.

Make an honest buck

In this article, we presented many tips how you can get a better price on 2017 Chevy Express Cargo insurance. The key thing to remember is the more rate comparisons you have, the higher your chance of finding low cost auto insurance. Consumers may even find the lowest priced insurance coverage comes from some of the lesser-known companies.

Lower-priced 2017 Chevy Express Cargo insurance is attainable from both online companies in addition to local insurance agencies, and you should compare price quotes from both so you have a total pricing picture. Some insurance providers may not offer rates over the internet and usually these small, regional companies prefer to sell through independent insurance agents.

Drivers change insurance companies for any number of reasons including extreme rates for teen drivers, denial of a claim, high rates after DUI convictions or lack of trust in their agent. No matter why you want to switch, finding the right insurance coverage provider is less work than it seems.

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